Friday, April 25, 2008

Mortgage or Renting


There are pros to renting.
You don't have to pay for any major repairs to the home that you are living in.
Taxes are paid by the landlord.
Have a termite problem or ant problem, call the landlord.

But there are certainly more cons to it.
You are pretty much there at their whim and they could sell the house.
They may not be that good at having your things repaired and you could find yourself waiting for things to get done.
The home pretty much has to stay as is so you can't do any renovations to it to make it better fit you.

These are only a few, but the biggest one is;

Think how much money you pay in rent a year!

That is money that you could have been paying towards your own home.

Your rent is quite possibly costing at least as much if not more than your mortgage would.

It seems like such a waste of money and at the end of it, you own nothing.
You have paid off someone elses mortgage when you could have been building equity in your own home.

Then when the time comes that you want to move, you would at least get some money back when you sell it rather than a landlord coming to check if the place is clean to give you your deposit back.

Buying a house does give your more freedom in some respects. No one can tell you that you can't have friends stop by at odd hours or they will tell your landlord.

No one to tell you that if you want to enlarge the kitchen by removing the wall into the pantry, that you can't do it. (Provided it is not a bracing wall that is)

And, every month as you pay your mortgage as opposed to rent, you are building equity in your own home, something of value that you own.

I know which one I would choose.

A must have book written by Craig Romero tells you how you can build equity in your home a lot faster. It is not the usual make two payments a month method, he does mortgage trends for a living and knows what he is talking about.

It is called Mortgage Cycling Revealed.

It is the book that you need to have, it shows you how to pay off your home a lot faster than traditional methods.

It will show you step by step how to save thousands on mortgage interest and build equity in your home very quickly.

You need to buy this book if you are serious about saving money with your mortgage.

Mortgage Cycling Revealed by Craig Romero.

1 comment:

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